Audi A5 Cabriolet S-line 2.0 TFSI

IF you have £500 per month in your motoring budget, you shouldn’t overlook getting a personal loan. For a monthly £498.35 payment over a lengthy five-year period, Sainsbury’s Finance will lend £24,000 at a rate of 8.7 per cent APR. This opens up a world of driving options – remember, you needn’t have a penny for a deposit and you could still spend up to £24,000 on a new model.

However, viewing a personal loan as a finance substitute, if you add a £11,545 deposit to the bank’s £24,000, an A5 Cabriolet S line 2.0 TFSI is within reach. Don’t forget that with such a loan already arranged, you become a cash buyer, so discounts should be more easily negotiated.